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Resource Center


Apple Pay FAQs

Apple Pay

Questions And Answers

What is Apple Pay?

Apple Pay is a new way to pay using the iPhone® 6 and iPhone 6 Plus. Just add your Cardinal Bank Visa CheckCard to Passbook and you'll continue to enjoy all the rewards, benefits, and security of your card when you use Apple Pay. There's no charge for adding your card to Passbook or using Apple Pay.

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What do I need to use Apple Pay?

  • iPhone 6 or iPhone 6 Plus and later (Apple Pay in stores and within apps)
  • iPad Pro, iPad Air 2 or iPad mini 3 and later (Apple Pay within apps)
  • Apple Watch paired with iPhone (Apple Pay in stores)
  • iOS 8.1 or later
  • Touch ID or passcode on your iOS device
  • An Apple ID signed in to iCloud
  • Cardinal CheckCard or Credit Card

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How does it work?

If you're making a purchase at a store, just hold your iPhone up to the card reader and use Touch ID to make the purchase. If you're paying with Apple Watch, double-click the button on the side to bring up your default card, and then hold the display up to the card reader.

If you're making a purchase through an iOS app, you'll have the option to use Apple Pay when you check out.

Some merchants will ask for a PIN when you use Apple Pay. If this happens, you'll want to enter the PIN normally (through the merchant's card reader), just like you would with a card.

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How do I add my Cardinal Visa card?

 To add a new card into Passbook, select the + symbol in the upper right hand corner and you can add your Cardinal Visa card by entering your card information in manually. Once your card is loaded successfully, your card will appear in Passbook.

Once your card is loaded successfully, a card image of your debit card will appear in Passbook along with a message saying that your card is ready for Apple Pay, or you’ll receive a message indicating further verification is required.

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Is Apple Pay secure?

Apple Pay is safer than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with Touch ID or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.

Learn more about Apple Pay security and privacy.

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Where can I use Apple Pay?

You can use Apple Pay to make payments in stores with your iPhone 6 wherever contactless payments  are accepted. Just look for the contactless and/or Apple Pay symbol at checkout.  You can also use Apple Pay in participating merchant apps with iPhone 6, Apple Watch 5 or 6, iPad Air 2 and iPad mini 3. Look for the “Buy with Apple Pay” or “Apple Pay” button at checkout within the apps.  Visit Apple ( for a recent list of merchants where payments are accepted.


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What are the benefits of using my Cardinal Visa with Apple Pay?

Apple Pay is easy to use and secure. It's a new way to pay, with enhanced security features that help protect your debit card information. Payments are authorized using Touch ID and your actual debit card account number is not stored on your phone. You'll continue to enjoy all the rewards, benefits, and security of your card when you use Apple Pay.

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Why doesn't my card image in Passbook look like my actual card?

 Your card image in Passbook will reflect a new design of your Cardinal Visa card.

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How do I make my Cardinal Visa card my default card?

 The first card you add into Passbook automatically becomes your default payment card for Apple Pay, but you can go to Passbook at any time to pay with a different card or select a new default. Just go to Settings > Passbook & Apple Pay, tap on Default Card, and select your card.


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Where can I find my Device Account Number?

For security, Apple Pay uses a Device Account Number, which is a unique number assigned to each card. If the merchant requests the last 4 digits of your card number after you've made a purchase with Apple Pay, please provide the last 4 digits of the Device Account Number, which can be found by selecting the icon in Passbook.

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What should I do if I lose my iPhone?

If you lose your iPhone, please call us at the number listed on the back of your debit card. Let our Cardinal Customer Care Contact Center know that you lost your device and they will deactivate Apple Pay on your existing Cardinal Visa card.

Also, you should use Find My iPhone to quickly put your device in Lost Mode to suspend Apple Pay, or you can wipe your device clean completely.

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How do I use Apple Pay for returns?

Apple Pay is more secure, because it hides your actual debit card number. For each transaction, a unique ID number is generated and shared with the bank that issued the card. The bank then determines that the transaction is coming from your device and authorizes the transfer of funds to the vendor.

For product returns, the process simply moves in reverse. Ideally, you will show up at the returns desk with both your phone and a receipt.

In some cases, the merchant might require you to touch your phone to the point-of-sale terminal to process the return. Then you just hold your phone near the card reader, select the card you used for the purchase from Passbook, and rest your thumb on the TouchID button.

If you don’t have your receipt, some merchants may be willing to use your phone’s unique "device account number" to look up the receipt in their system. To see the last four digits of the device account number, go to Passbook, tap the card, and hit the icon at the bottom right corner of the screen. If the merchant can find a receipt that matches with that number, they’re likely to issue the refund. Depending on the return and refund policies of the store, it may take up to several days for the return transaction to appear on your debit card statement.

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Can I put my Card on multiple devices?

Yes, you can add your Card on up to 10 devices. Please note that your Card must be added to each device separately.

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Once I add my Card, how can I suspend the ability to make payments or remove Cards from my device?

To remove your Card on iPhone 6 or later, iPad Air 2 and iPad mini 3, select “Remove Card” in the “Wallet & Apple Pay” section of your device “Settings” or on the back of your Card in the Wallet app. You can also visit to remove your Card or Find My iPhone to temporarily suspend or permanently remove the ability to pay with your Cards on your device.


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Is my Card account number or other information being shared with Apple?

We will never share your plastic Card number with Apple. To deliver you the best Apple Pay experience, we will display certain account information on your device, such as data for your recent purchases, for each Card you have selected to use with Apple Pay, but not your full account information. At any time, you can turn off the display of transaction data manually within Apple Pay by adjusting the “Card Notifications” for each Card. If you have any additional questions about your device’s security features, please contact Apple directly.

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If I load my Cardinal Visa card onto my Apple device, will I be charged any new fees or rates?

There is no cost associated with adding your card to Apple Pay, although it does require an active data plan. Note that additional message and data charges may apply. Your credit card’s terms and conditions, and your check card’s Deposit Account Agreement will apply to all Apple Pay purchases.


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How do I make sure Apple Pay is turned off when I don’t want to use it?

Apple Pay is locked when the device is locked. Touch ID is required in order to use Apple Pay.

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I’m getting notifications for my Card in Apple Pay on my device. What are these notifications and how can I turn them on/off?

You will receive “Card Notifications” for your Cardinal Visa Card in Apple Pay on iPhone and iPad letting you know about purchases made with your plastic Card and purchases made in Apple Pay. You can turn your notifications on or off by adjusting the “Card Notifications” settings for each Card within the “Passbook & Apple Pay” section of your device “Settings.” Please keep in mind that by turning off your “Card Notifications,” you will no longer receive transaction notifications or other special messages from your Cardinal Visa Card on the front of your Card, and you will no longer see your transaction history on the back of your Card in Apple Pay.


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